Matt Lalande is a proud contributor to a chapter in the well known book “Disability Insurance Law in Canada”
With our Disability Lawyers Firm, the Fee is Free. You only pay if we win your case. You NEVER pay upfront.
Your benefits have been terminated in a time of need. Let’s make them pay. Together.
Matt Lalande is proud to have contributed a chapter to the text book “Disability Insurance Law in Canada”. The book, now on edition number 3, was written by Eric Schjerning, a well known and respected pioneer in the field of Canadian disability insurance law. Matt is proud to have been asked to contribute a chapter to the book.
Since 1984, we have successfully recovered tens of millions of dollars in long-term disability, short-term disability, individual disability, long term care and life insurance disputes for individuals across Canada. We understand the common tactics utilized by insurance companies. Many unreasonable denials can be overturned – but you need the assistance of a disability lawyer to be successful in getting your benefits back on track.
Talking to our Long-Term Disability Lawyers about your story, whether it is for 2 minutes or 3 hours, is ALWAYS FREE. We never, under any circumstances, ask the disabled for money while they are suffering from a disability and struggling financially in a time of need. Call us TODAY at 1-844-4-DISABILITY or send us an email through our website to set up your FREE CONSULTATION today. All calls are completely confidential.
With our Disability Lawyers, we never charge clients to talk. Consultations with our disability law firm are 100% free. We will take as long as you need to talk to us about your long-term disability claim and give you the right legal advice for your situation. Also, if you decide that you want to file a disability claim against your long-term disability insurer, our fees are free until we win. We will never ask you for money upfront – at any time. We will fund your entire case and, even better, our disability lawyers will not charge you any money if we are unsuccessful.
You suffer from a disabling condition, your long-term disability benefits have been denied or cut off, and now, you are left in a terrible financial predicament with no way to pay your bills. Your adjuster is not listening to you. They don’t care what you have to say. They cut off your disability benefits despite your own doctors saying you can’t work. They believe what they want to believe. They believe that you can “get back to work” or “do something” when, in reality, they don’t understand the big picture. They don’t understand that you are suffering. In fact, you may feel that the treatment from your disability adjuster is making matters worse and aggravating your medical condition.
It’s a situation that we see time and time again in this faceless system. We understand that you’ve paid disability premiums on every single paycheque and now in your time of need your disability insurer won’t pay you. In exchange for premium payments, you expected that your disability insurance company would pay a monthly disability benefit to help pay your bills and, at a minimum, keep a roof over your head. To you, it was affordable financial protection and invaluable peace of mind. To them, it was only profit.
Finding a long-term disability lawyer is not always easy since disability law is a complex and specialized practice. You will more likely than not need to retain a disability lawyer that is located in a larger metro area who will service smaller surrounding communities. We ALWAYS recommend hiring a disability lawyer in a city closest to you – but with today’s technology, video-conferencing technology and electronic filing systems, hiring a disability lawyer has become a much easier thing to do. In fact, our lawyers serve clients not only in Hamilton but all over the province. We have disability clients that we serve from Timmins to Niagara and from Ottawa to Windsor.
Our disability lawyers appreciate the ability to meet clients face-to-face and have them come into the office anytime they wish, meet with our lawyers and have a conversation about their case – but at the same time, if you are unable to meet our disability lawyers in person, we can always meet via Zoom, Facetime or Teams anytime you wish. We not only service clients in Hamilton, Ontario – but throughout Canada. Call us today to set up your free disability consultation video conference if you are unable to visit our disability law firm.
Camporese Lalande Disability Lawyers is led by Ontario long-term disability lawyer Matt Lalande and well-known Hamilton, Ontario trial lawyer and mediator Art Camporese. Both Matt and Art have been practicing Disability Law in Ontario since 1984, have represented countless disabled victims and have recovered millions in wrongfully denied disability benefits. Disability insurance companies know and understand that we are trial lawyers who are experienced in disability litigation and know how to properly assess, evaluate and present a long-term disability case to a judge or jury. Wherever you live, and whatever your disabling condition is, our Ontario disability lawyers will be on your side and will fight for the justice you deserve. Our Ontario disability lawyers are dedicated to helping the hurt, sick and disabled get the long-term disability benefits they deserve – all over Ontario.
Disability Insurance Companies want you to think that being denied or cut off your disability is the end. This is not the case. You have the full right to contact a disability lawyer to discuss whether or not your disability insurance company had the lawful right to deny or cut off your disability benefits. Unfortunately, many claimants are wrongfully, improperly and unlawfully denied their long-term disability benefits. Many times, disability claims adjusters come to the opinion that you can go back to work and do something, which is often not the case. If you’ve been denied your long-term disability benefits, stop struggling with a system that does not care. Stop struggling with a system that won’t listen to you or your doctors and that only has tunnel vision with one objective – to get you back to work.
This is a tremendously sad situation that is not uncommon – and is something that our disability lawyers often see. On the one hand, your disability claims adjuster is supposed to listen to you and collect enough clinical evidence to make a decision as to whether or not you satisfy the definition of “total disability” that is stated in your disability insurance policy. The reality, however, is that many claims adjusters do not properly assess clinical records. They may refuse to take the claimant’s clinical directions under consideration or really listen to what they have to say. Instead, no matter the medical condition, some claims adjusters refuse to be impartial, override clinicians, pretend that they have a medical degree, and get obsessed with their mission of getting a person back to work, often a lot sooner than they should. Even more often, claimants’ conditions are aggravated, exacerbated and made worse by the treatment they receive from their “rogue” claims adjuster and end up in a worse mental position than they started.
We are often asked by disability claimants whether they should file an internal appeal before hiring one of our Ontario disability lawyers. The answer is that it is up to you. In extremely rare circumstances, it may be worth it – for example, if someone suffers an irreversible psychiatric condition or a spinal cord injury – but in 99% of cases, internal appeals don’t overturn prior denials. Your case is simply being reviewed by a so-called “appeals committee” who is being paid a salary by the same insurance company that denied you. There is no “independent” body that reviews your appeal. There is no “fast-track” as is often advertised. While you are left without income, the appeals process can take more than 3 months, which is more than enough time to send a person into complete and total financial chaos. Remember, the committee that reviews your appeal is employed by the same insurance company that denied your long-term disability benefits. Oftentimes, we see the process as a “delay tactic,” meaning that the longer you get stuck in the appeals process, the longer that it will take for you to hire an Ontario disability lawyer to fight for you – and the longer you are left without money to live.
Clients can no doubt be frustrated with their current lawyers for many reasons. We understand that you may be disappointed with such things as loss of faith and confidence, communication issues, the lack of updates or perhaps you haven’t been prepared properly in advance for certain matters. It doesn’t matter what the reason is, you have the right to change counsel. However, we always recommend that you speak to your current lawyer to try to resolve your issues, but if you cannot, you’re certainly entitled to obtain a second opinion about your case and the issues you are experiencing with your current lawyer.
Changing lawyers does not cost you any more money, will not set back your case and, in fact, might actually help your case if the relationship between you and your current lawyer has permanently broken down. The process is quite easy. If you hire our Ontario disability lawyers, it will be us that terminates the services of your former lawyer – which alleviates any uncomfortable process for you.
LET OUR EXPERIENCED DISABILITY LAWYERS HELP
Did you know that you can hire your own Ontario long-term disability lawyer to fight for you? Disability insurance companies will not tell you that you’re entitled to seek the legal opinion of a disability lawyer. Instead, they will try to convince you to follow their “streamlined appeals process” which in effect, is simply asking other disability insurance company employees from the same company to review your disability file and any new medical information you provide.
Rather than appealing to your disability insurance company appeal committee you should call us today at 1-844-4-DISABILITY today or fill in a contact form confidentially. Our Ontario long-term disability consultations are 100% free – no matter if you are in Hamilton, Ontario or anywhere throughout Canada.
Unfortunately, disability claims managers or disability adjusters are often overburdened, overworked and under-trained. Although adjusters are required to have certain insurance designations to be disability claims adjusters, those designations teach insurance claims adjusters about the insurance industry’s “standards of excellence and professionalism.” They do not provide insurance adjusters clinical or psychological training, nor do they teach insurance adjusters how to be sensitive and understanding, how to listen, about clinical practice or how to make impartial decisions based on proper evidentiary foundation in regard to a person’s function. Many claimants end up suffering ongoing mental stress and anxiety because of how they are treated by their claims adjuster.
In our opinion, filing an internal appeal for reconsideration rarely works and is simply a waste of time while you are not getting paid. You should ALWAYS talk to our Disability Lawyers first. When you file an internal appeal, you are asking the same insurance company that denied you to reconsider their decision. There is no “independent” adjudicator looking at your disability file. The “reconsideration or appeals team” are simply paid employees of the same insurance company that stopped your benefits and put you in the terrible financial position you are in now. You have the FULL RIGHT to call us, for free, before filing an appeal to discuss your case. Call us TODAY at 1-844-4-DISABILITY or send us an email through our website to set up your FREE CONSULTATION today. All calls are completely confidential.
NEVER. With our Ontario disability law firm, the fee is free. You only pay when we win your case. We never ask our clients for any payment upfront under any circumstances. Our disability law firm works on contingency, meaning that your legal fees are billed at the end and are contingent upon us winning your case. The maximum contingency fee that our firm has ever charged a client is 30%, but the important thing to remember is that if we are successful in proving your case, and if your disability insurance company is ordered to or agrees to either put you back on claim or pay you a lump sum settlement, they will assist in paying some of your legal fees.
The most important thing to know is that you never have to pay any money upfront, ever. Our Ontario disability law firm does not charge any money upfront and we pay for all the required expenses. At Camporese Lalande Disability Lawyers, we believe that our compassion goes hand-in-hand with our legal expertise. We take pride not only in the results we achieve but in the care our disability law firm provides to our clients by paying all required expenses up front, never asking our clients for money and only getting paid when you get paid.
The answer is – probably. It is a bit of a complicated question. What needs to be known is whether your entitlement to LTD benefits falls within the exclusive grievance and arbitration provisions of your collective agreement and if so, whether it is subject to arbitral jurisdiction. Unions in Canada are advocates for working people. They are advocates for better and higher wages and safer workplaces. They help join workers together and allow the voices of individual workers to be heard through collective bargaining. However (aside from disputes that must be handled by way of grievance, such as labour relations) unions do not have the expertise or experience to file suit against disability insurance companies and litigate disability cases in Court. Our Ontario disability law firm has partnered with countless unions throughout Ontario and Canada to assist in representing their disabled members in their time of need. If you are a union member who suffers a chronic disability or injury that prevents you from working, there will come a time when your union may unfortunately no longer be able to assist – which is when we can take over your case. Call us TODAY at 1-844-4-DISABILITY or send us an email through our website to set up your FREE CONSULTATION today. All calls are completely confidential.
Absolutely. Our disability law firm is based in Hamilton, Ontario but we do assist claimants nationwide. Our disability lawyers have strategic legal partners with extensive disability litigation experience all over Canada. We would suggest contacting our Hamilton, Ontario disability law firm and once we speak about your particular situation and disability denial, we will be able to tell you if and how we can assist you in recovering the disability benefits you deserve.
We are happy to meet via FACETIME, TEAMS, ZOOM or by a simple conference call to discuss your particular situation. For most, if not all, of our Ontario-based clients, we are happy to represent you remotely until we are required for the trial of your case, which of course we prefer to be done in person and not virtually. However, until then, we are happy to conduct your case seamlessly with our available virtual technology or in-person. Our goal is to accommodate you as best we can. Call us TODAY at 1-844-4-DISABILITY or send us an email through our website to set up your FREE CONSULTATION today. All calls are completely confidential.
We do not ask for any money upfront. We work on a “contingency fee” basis, which is a type of legal fee where the lawyer only gets paid if they win the case. If the lawyer does not win, then they do not get paid. The contingency fee arrangement is different from an hourly fee arrangement where the lawyer charges by the hour regardless of the outcome of the case. This means that you get to hire our experienced Ontario Disability Law Firm without ever paying a cent up front – which in a sense, allows you with direct access to justice when if are struggling. The contingency fee ranges between 25% and 30% Even if the litigation requires more time and/or financial risk, we will charge no more than 30% of the end result (outside of trial). Call us TODAY at 1-844-4-DISABILITY or send us an email through our website to set up your FREE CONSULTATION today. All calls are completely confidential.
When you hire an Ontario disability lawyer, you hire that disability lawyer in hopes that you will never have to change lawyers throughout the stressful and lengthy process of disability litigation. Oftentimes, many advertisements and billboards say “don’t get hurt twice” or “you only have one shot” to hire the right lawyer. These advertisements are not wrong. You have one shot at litigation – and unfortunately, clients and lawyers turn out to not be the right fit. If you are unhappy with your current disability lawyer or disability law firm, you certainly do have the right to get a second opinion from another disability law firm. We would always suggest trying to repair your current relationship, as often the lawyer-client breakdown often comes down to a simple misunderstanding. However, if you believe that your lawyer-client relationship has suffered an irreparable breakdown, we would be happy to provide a second opinion in your case.
Hiring an Ontario long-term disability benefits lawyer should never be for the purpose of settling, or what is otherwise called “lumping out” long-term disability benefits. Your disability benefit contract, whether a group or individual disability contract, is a contract that calls for a monthly disability benefit payment if your disability satisfies the definition of “total disability” within your disability policy. We have the onus of proving your disability and if we are successful, your benefit should be reinstated, and any arrears from the date of denial forward should be paid to you. However, in some circumstances, disability insurance companies may, like any other party to a litigation, assess the risk and the potential costs of a case and decide that it would be in the best interest of both parties to offer to settle or lump out long-term disability benefits and, potentially, end the litigation. Call us TODAY at 1-844-4-DISABILITY or send us an email through our website to set up your FREE CONSULTATION today. All calls are completely confidential.
Since 1984, our Disability Lawyers have recovered tens of millions in compensation for sick and hurt people all over Ontario.
Most people do not call a disability lawyer because they are afraid of high legal fees – with our firm, talking to us is 100% free.
With our Disability Lawyers, the fee is free. You only pay if and when we win. We will never ask for money upfront – ever.
Our Disability Lawyers have recovered tens of millions of dollars in wrongfully denied long-term disability benefits for claimants in Ontario and all over Canada.
Unlike many disability law firms, we will never pass your case off to another lawyer or paralegal. When you hire one of our disability lawyers, you will deal with that lawyer until the end.
With our firm, you never have to travel into the office if you don’t want to! We are equipped to represent clients virtually, no matter where you reside, by ZOOM, Facetime, Teams or Google Meet.
Matt Lalande and Art Camporese are trial lawyers who have been representing disability claimants who have been cut off or denied long-term disability since 1984.
We pride ourselves on helping people when they need it most. We pride ourselves on integrity. No matter if the case is worth $20,000 or $2M, we put in the same effort for our clients. Always.
Patricia Williamson Long-Term Disability
Cheryl Oddie Long-Term Disability
Payne Momich Long-Term Disability
Our Long-Term Disability Lawyers and Union Specialists have recovered millions in wrongfully denied disability benefits for claimants since 1984. Call us now!
Below are common questions that are long-term disability lawyers are often asked by claimants who have been denied their long-term disability benefits:
Camporese Lalande Disability Lawyers is owned and operated by Arthur Camporese and Matt Lalande. Matt and Arthur also own separate law firms, made up of two firms – Lalande Personal Injury Lawyers and Camporese Sullivan DiGregorio. Matt Lalande and Art Camporese, the principal of both firms, are disability trial lawyers who have been practicing disability law since 2003 and 1984, respectively.
When your disability claim is denied, you will receive a letter from your disability insurance company which will advise you of the date your disability benefits will be cut off and the reason why. They will most likely advise you that you have the option of submitting new medical information, if any, and appealing your decision internally.
If a person believes that he or she has been wrongfully denied or cut-off long-term disability benefits, that person has the right to hire a disability lawyer and start a legal claim against their disability insurer for breach of contract and reinstatement of their monthly benefits.
In Canada, it is not possible to know how many long-term disability claims are denied. There is no statistical database that monitors private disability insurance company denials, either in terms of group benefits or private policies. We can tell you, however, that we are contacted on almost a daily basis in regards to disability insurance companies denying long-term disability benefits in Canada.
Yes. With Lalande Disability Lawyers, our consultations are always free for claimants denied long-term disability, no matter what the situation. We believe that you should never have to pay a disability lawyer for a consultation, especially after being cut off from long-term disability benefits and suffering from financial stress.
You can qualify to receive long-term disability benefits if you satisfy the definition of “total disability” within the context of your disability policy. Total disability normally means that for the first 24 months, you are unable to sustain the regular duties of your own job. After 24 months, total disability normally means that you cannot sustain the duties of any employment for which you are qualified by way of education, training or experience.
In our opinion, internal appeals rarely work. You are simply having your denied claims reviewed by other employees paid by the same insurance company.
At Lalande Disability Lawyers, we only get paid when you get paid. We work on contingency, which means that our disability lawyers will only charge legal fees if we are successful at having your benefits reinstated or if we reach a lump sum settlement of your past and future benefits.
A disability lawyer is able to be your advocate. Remember, the onus is on the claimant to prove his or her disability. A disability lawyer can put the best case together for you, advance legal arguments about why you are disabled, show that you satisfy the definitions of disability as set out in your contract and should be entitled to benefits, and prove that the insurer breached its contract by cutting off your monthly benefits.
Many long-term disability claims are commonly made due to cancer (breast cancer, lung cancer cervical and prostate cancer are most prominent), heart disease, serious injury, depression, anxiety, psychiatric issues and bipolar disorder.
If you’re applying through a group insurance policy, you would talk to your benefits administrator. He or she would be able to provide you with the application and attending physician statement required to apply. You should ask for the documents as you near the end of your “elimination period” or short term-disability.
When you are no longer disabled as per policy definition or you reach the age of 65, your long-term disability would normally end.
If your long-term disability benefits have been terminated, or denied completely, then yes, you should speak to a long-term disability lawyer sooner rather than later. The longer you wait, the longer it will take to recover your monthly benefits.
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We work with clients from all over Canada. Communication can be done in person, via the phone, email, and video chat.
You’ll be able to work with a highly experienced lawyer, without having to leave the comfort of your home, or travel long distances.
IF YOUR LONG-TERM DISABILITY BENEFITS HAVE BEEN TERMINATED YOU HAVE THE RIGHT TO HIRE YOUR OWN DISABILITY LAWYER. SINCE 1984, WE’VE RECOVERED TENS OF MILLIONS OF DOLLARS IN WRONGFULLY DENIED LONG-TERM DISABILITY BENEFITS FOR CLAIMANTS ALL OVER CANADA. IF YOU SUFFER A SERIOUS DISABILITY, YOU HAVE THE RIGHT TO RELY ON DISABILITY BENEFITS WHICH WERE PROMISED TO YOU IN A TIME OF NEED. LET’S MAKE THEM KEEP THAT PROMISE TOGETHER.
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